Attorneys

Auto Insurance FAQs

• Q: Is An Insurance Company Obligated To Issue Me An Automobile Insurance Policy?
  A: No. Automobile insurance providers are not obligated to offer coverage to all applicants. Each company has its own underwriting requirements and, therefore, may … More
• Q: Can I Be Added To My Parents' Automobile Insurance?
  A: If you drive a family car, you can be added to your parents` policy; however, the cost of the policy will increase. If you have your own automobile, your parents` … More
• Q: Will My Rates Go Up Or Will I Lose My Insurance If I Am Involved In An Accident Or Get A Ticket?
  A: If you are not at fault in an accident, your insurance should not be affected. If you are at fault, get a ticket for a moving violation, or are involved in an … More
• Q: How Can I Obtain Insurance If Several Companies Have Rejected Me?
  A: If all attempts fail and you are unable to obtain automobile insurance, some states allow you to obtain insurance through a state insurance program. However, this … More
• Q: What Does Comparative Negligence Mean?
  A: Comparative negligence law is based on a percentage of negligence. If one person`s negligence was less than the negligence of the party with whom a claim for recovery … More
• Q: Do I Have A Grace Period For The Payment Of My Automobile Insurance Premium?
  A: No. There generally is no grace period in an automobile insurance policy.
• Q: If I Call An Agent For A Quote Of An Automobile Insurance Premium And Later Decide To Apply For A Policy Based On The Rate Quote, What Happens?
  A: Occasionally an agent might make a mistake in calculating a rate, and the company is required by law to use the rates filed with and approved by the Insurance … More
• Q: How Long Does The Insurance Agency Have To Respond To My Claim?
  A: The Actual time may vary from state to state. However, the general rule adopted by most states is that the insurance company has 30 days to respond, unless an … More
• Q: Why Does The Insurance Company Have To Investigate The Claim When The Police Cited The Policyholder?
  A: A traffic citation is not a determination of legal liability. The company is still obligated to investigate claims made according to the specifications of the policy. … More
• Q: What Is Full Coverage?
  A: The definition varies from policy to policy. Often there are misunderstandings surrounding the coverage. For this reason, it is important to carefully read your … More